Notice of Change in Privacy Notice

The Citizens Bank privacy notice has been updated, effective December 2010. Download an Acrobat PDF file (160kb) or click here to view.

updated 6/16/11

Notice of Change in Annual Shareholders Meeting

Due to the extension of the Capital Raise, the Annual Shareholders’ Meeting has been postponed. Please check back for further updates.

updated 5/6/11

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Merchant Accounts

All funds in a "noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking, business merchant account or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

updated 2/28/11

Payment Challenges – Options to Avoid Foreclosure

Citizens Bank of Northern California understands that life can present unexpected challenges like loss of employment, medical problems, or other circumstances that can make it difficult to pay your monthly mortgage payment.

If you are struggling to make your mortgage payments, we will work with you to try to find a repayment solution that you can manage. Call us today at 530-478-6000 or toll free at 1-800-809-2244

Possible options Citizens Bank of Northern California has available to assist you in avoiding foreclosure include:

•	A Loan Modification or “Workout” arrangement providing for a more affordable monthly mortgage payment
•	Alternative Repayment Plans – In certain situations, temporary relief may be available through payment deferments

Before you contact us to discuss your options, please prepare the following information:

•	A written statement explaining the cause of your financial hardship and request for a loan workout
•	A detailed list of all your expenses, loans and bills
•	A list of all household income including your most recent pay stub, bank statement, tax return or profit and loss statement

For additional assistance you can also contact the Department of Housing and Urban Development (HUD) toll free at 1-800-569-4287 to find a HUD-certified housing counseling agency.

updated 11/30/10

Fri, Jul 08, 2011